Rigging should fail, chainplates should rip through decks, spars should collapse, all the forces, wind-wave action- are a powerful stress on a hull, but easily determined-then engineered, and a hull can be built to withstand those stresses. The hull should be the strongest link in the vessel.

I look at this 'snapped in two hull', simply as an undersized beam. It's really light, easy to handle, cheaper to buy and it works fine up to the point YOU need it to perform. But then you overload it, and it snaps. That's a racing beam.

The correctly designed and built hull, in this simple analogy, is no more than a proper sized beam. Even when we demolish old buildings, the proper beams don't break. We have to saw them up to get them into the landfill. These are cruising beams.